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Autopay
Autopay: 2023 Auto Loan Review Published 2023-01-01 00:00:00
Written by Allison Martin Written by

Allison Martin's career began more than 10 years ago as a digital content strategist, and she's since been featured in a variety of top financial publications such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain confidence to control their finances by providing clear, well-researched information that breaks down complicated topics into manageable bites.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering you interactive tools and financial calculators as well as publishing objective and original content, by enabling you to conduct your own research and compare information at no cost and help you make financial decisions with confidence. Bankrate has agreements with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site are from companies that pay us. This compensation can affect the way and when products are featured on the site, such as for instance, the order in which they may be listed within the categories of listing, except where prohibited by law for our mortgage, home equity and other home lending products. However, this compensation will not influence the content we publish or the reviews that appear on this website. We do not cover the entire universe of businesses or financial offers that may be open to you.




Reviewer's disclosures: All reviews are prepared by staff. The opinions expressed are only those of the reviewer and are not reviewed or accepted by any advertising company. The information, including rates and fees, presented in the review are accurate as of the date when the review first appeared. Look over the information at the top of this page as well as the lender's site for the most recent information.








At a look 4.2 Score: 4.2 stars out of 5
Bankrate Score

Rating of Availability: 4.5 stars out of 5
The Affordability Score: 3.6 stars out of 5
Customer Experience Rating: 4 stars out of 5.
Transparency Rating: 4.5 stars out of five


Check rates for auto loan rates


About Autopay Loan amount $2,500-$100,000.
Min. credit score not specified
APR starting at 2.99%
Funds available as only one business day



Autopay Pros and cons There are a few key advantages and drawbacks of Autopay auto loans to consider before applying.
PROS Convenient
Streamlined application
Credit score not necessary

CONS Lack of transparency about maximum APR
Down payment
Purchase not used





Autopay offers an on-line marketplace for lending that helps consumers find the most affordable auto loan financing. You can view potential loan offers from lenders in their network within minutes, without affecting the credit rating. If there's a match, the application procedure is simplified, allowing you to swiftly approve your new auto loan with no hassle.

Do you qualify? Autopay doesn't specify lending requirements in its site. But, you'll have provide specific details about your vehicle when you submit a formal application to the lender for approval. You can also get prequalified within minutes by filling out the online form to view the possibility of loan offers. The application is easy to fill out, and being prequalified will not affect your credit score. What we love and what do not like. Consider the benefits and drawbacks of Autopay loan with Autopay prior to approving the application.
What we love about Autopay is that it's convenient. You can look into loan options from multiple banks or credit unions as well as online lenders all at once without harming the credit rating. A streamlined application process: Autopay features a simplified application procedure that helps you get the best deal on the new car loan in a fraction of the time it'd require at the dealership or bank. Credit score not necessary: You can get an auto loan through a lender in Autopay's Autopay network even having less than perfect credit. What we don't like Lack of transparency around APR maximum: The minimum interest rate of 2.99 percent advertised on the website is only accessible to borrowers with excellent credit. The down payment: Some applicants must put cash down in order to secure a new vehicle loan. However, down payments generally aren't necessary to be used for car loan refinancing. No used purchases: If you're looking to buy a used vehicle, you'll have to shop elsewhere. Contact Autopay If you're interested in applying the auto loan using Autopay, visit the website to submit an online inquiry or contact customer service by telephone. Customer service is available Monday through Friday between 7 a.m. to 7 p.m. MT and Saturday between 9 a.m. to 5 p.m. (MT). It is also possible to connect with the customer service representative through text messages.
Auto loan varieties offered by the lenders within the Autopay network offer new vehicle loans and three different types of refinancing.
New and used cars loans
The loan amount is $2,500-$100,000 . Terms: 2496 months APR: Starting at 2.99%


If you're in the market for a new ride and want to get a new car, you can use Autopay for help in finding the best auto loan to suit your budget. Prequalification will allow you to shop with confidence at the dealership and save time sitting in line for the finance department to accept your loan. The Autopay team assists applicants throughout the process of applying. Traditional refinancing
Quick facts about loans: $2,500 to $100,000 Terms: 24-96 months APR: Starting at 2.99%


If you're looking to cut your monthly auto loan payment or obtain lower interest rates Refinancing your loan with an autopay lender in the Autopay network may help you meet your goal. You can also go this route to cut down the loan duration and pay off your car loan faster. Cash out refinancing
Quick facts about loans: $2,500-$100,000 Terms: 24-96 months APR: Beginning at 2.99 2.9%


If you want to tap into your car's equity, refinancing it with cash back could be a viable alternative. You could receive up to $12,000 in cash and utilize the money however you like. Some people choose to pay off high-interest loans and use the funds to fund other financial goals. Lease buyout
Loan quick facts Amounts: $2,500-$100,000 . Terms: 2496 months APR: From 2.99%


This financing option can aid you in the event that the lease period is over. You could also be able to pay off your lease earlier. Plus, you can get rid of any extra mileage fees when you've exceeded the mileage limit set in the lease agreement. How to apply for an auto loan with Autopay After obtaining the required documents, you can fill out the Autopay application form. It doesn't require a credit check. Autopay will shop your information to lenders within its network and will present possible Auto loan proposals to your if there's an agreement. If you decide to move forward then the lender will pull your credit report and scrutinize supporting documents before issuing full approval.
The required information for your application is Driver's License Insurance proof of income Proof of residency A letter of payment (if refinancing) Additional documents that are required to ensure your lender match


Autopay FAQs
Do you require good credit to qualify for an auto loan through Autopay? A few lenders in Autopay's large network are able to accommodate borrowers with less credit scores. Generally, good or excellent credit is required to obtain the best price for auto financing.



Are you able to apply with an additional co-applicant in order to improve the chances of being approved? Absolutely, Autopay allows applicants to increase their chances of approval. The person you add should have a strong credit history and a steady, reliable source of income in order to ensure the greatest chance at getting approved.



Does Autopay provide vehicle service contracts to the borrowers? Yes, you can buy the service contract for your vehicle when you take out an entirely brand new loan or refinance your existing one. This kind of protection can prevent you from incurring hefty maintenance and repair costs. Certain vehicle service contracts provide roadside assistance.



What rates do Bankrate charge Autopay?
Overall score
4.2
Availability
4.5
Autopay's vast network of lenders allows for extensive coverage of loan amounts, availability in states and terms. It also doesn't have dealership restrictions.
Affordability
3.6
The affordability of Autopay will differ according to the lender you're working with, which means Autopay falls toward mid-range.
Customer experience
4.0
Autopay offers customer service six every day of the week, with full online access and a shopping time of 30 days, earning it a higher customer satisfaction score.
Transparency
4.5
Fees and rates are only accessible on Autopay's website in part Prequalification options boost its score up.


Methodology Bankrate considers 18 data points when selecting top auto loans. Acceptance criteria, rates and fees are readily available and the range of APR all affect lender scores. These scores are split in four different categories. The availability of loans as well as repayment options, dealer requirements and state availability all play a role in this category. Affordability: This section houses APR ranges as well as acceptance criteria, discounts and fees. Customer experience: How long you'll need to shop, customer service availability, whether you have an app or autopay option are all covered within this category. Transparency: This section accounts for the accessibility of rates and fees along with whether prequalification is available.
Disclaimer Reviewers are supervised by Bankrate.com staff. The opinions expressed in the review are only the opinions of the reviewer and have not been evaluated or approved by any advertiser. The information that is included, including rates and fees that are included in the review is accurate as of the date when the review first appeared. Check the data at the top of this page and the lender's website for the most current details.




Written by
Allison Martin


Allison Martin's career began more than 10 years prior to that as a digital content strategist. She's been published in several leading financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.
Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances through providing precise, well-researched and detailed information that break down complex topics into manageable bites.






Auto loans editor










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